ISRAEL METHCOMM
Charter #15673 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
ISRAEL METHCOMM has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.31% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Asset Growth Rate: Top 5.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Member Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 5.5% in tier
- - Members Per Employee (MPE): Bottom 7.0% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
230
+3.6% YoY+3.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.4% in tier |
| Assets |
$2.1M
+11.9% YoY+2.4% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.5% in tier |
| Loans |
$652,645
+4.2% YoY+1.0% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$1.6M
+9.1% YoY+3.2% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.6% in tier |
| ROA |
3.0%
-3.8% YoY+90.6% QoQ
|
+2.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 2.3% in tier |
| NIM |
3.4%
-18.7% YoY+96.5% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
31st in tier |
| Efficiency Ratio |
13.2%
-49.8% YoY+15.5% QoQ
|
-68.2% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
39.7%
-4.5% YoY-2.1% QoQ
|
-21.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 18.7% in tier |
| AMR |
$9,978
+3.9% YoY-0.6% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
29th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
5
Efficiency Ratio
profitability
Value:
13.22%
Peer Avg: 81.39%
#5 of 2596
Top 0.2% in <100M tier
59
Return on Assets (ROA)
profitability
Value:
2.99%
Peer Avg: 0.68%
#59 of 2596
Top 2.2% in <100M tier
143
Asset Growth Rate
growth
Value:
11.92%
Peer Avg: 1.82%
#143 of 2596
Top 5.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
251
Member Growth Rate
growth
Value:
3.60%
Peer Avg: 14.92%
#251 of 2596
Top 9.6% in <100M tier
279
Deposit Growth Rate
growth
Value:
9.11%
Peer Avg: 16.80%
#279 of 2596
Top 10.7% in <100M tier
Top Weaknesses (8 metrics)
2455
Total Members
engagement
Value:
230
Peer Avg: 2,626
#2455 of 2596
Bottom 5.5% in <100M tier
2415
Members Per Employee (MPE)
engagement
Value:
115.000
Peer Avg: 365.701
#2415 of 2596
Bottom 7.0% in <100M tier
2366
Total Loans
balance_sheet
Value:
$652,645
Peer Avg: $15.77M
#2366 of 2596
Bottom 8.9% in <100M tier
2323
Total Assets
balance_sheet
Value:
$2.15M
Peer Avg: $29.86M
#2323 of 2596
Bottom 10.6% in <100M tier
2321
Fee Income Per Member
profitability
Value:
$2.37
Peer Avg: $182.96
#2321 of 2596
Bottom 10.6% in <100M tier
2320
Total Deposits
balance_sheet
Value:
$1.64M
Peer Avg: $25.45M
#2320 of 2596
Bottom 10.7% in <100M tier
2106
Loan-to-Share Ratio
balance_sheet
Value:
39.74%
Peer Avg: 61.23%
#2106 of 2596
Bottom 18.9% in <100M tier
2034
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,838
Peer Avg: $5,488
#2034 of 2596
Bottom 21.7% in <100M tier